# US 30-year mortgage rate at 6.54%, most rates down 2026-08-16T17:57:23+00:00 | Business & Economy | Indian Opinion Desk Corroboration: 1 independent outlet Mortgage rates in the United States are mostly lower than last week, according to the latest data from Zillow's lender marketplace. The 30-year fixed mortgage rate stands at 6.54%, up 3 basis points from last week. The 15-year fixed rate is 5.86%, down 15 basis points, and the 5/1 adjustable-rate mortgage (ARM) is 6.24%, down 13 basis points. These are national average rates rounded to the nearest hundredth. For homeowners looking to refinance, rates are slightly higher on some terms. The 30-year fixed refinance rate is 6.59%, while the 15-year fixed refinance is 5.88%. The 5/1 ARM refinance rate is 6.44%. Hindustan Times reports that lenders typically offer the best rates to borrowers with higher credit scores, larger down payments, and lower debt-to-income ratios. ## Coverage - hindustantimes.com This story was synthesised by AI from the source linked above. Tags: mortgage rates, US, Zillow Canonical: https://indianopinion.org/us-30-year-mortgage-rate-at-6-54-most-rates-down/ License: Summary and commentary (c) Indian Opinion, reusable with attribution. Facts belong to the linked sources. Cite: https://indianopinion.org/us-30-year-mortgage-rate-at-6-54-most-rates-down/#story-in-brief Review state: restored archive article, accurate at time of publication, not offered to search indexes. How this brief was made: an AI model read the report linked above and wrote this summary and analysis, which were published automatically. Published briefs are sampled every hour by an automated quality check; the editor verifies its findings and approves corrections, and corrected briefs carry a dated correction line. We do no original reporting. Methodology: https://indianopinion.org/ai-use-policy/